Business Owners
What Are Some of the Questions Successful Business Owners Ask Themselves?
🔹How do I get the most return on my investment in retirement plans?
🔹How do I focus on retirement plans and benefits on key employees and myself?
🔹Who are those employees and how do I attract others like them?
Strategic Retirement Plan for Business Owners
Advanced market strategies protect your business and your people. We tailor four essentials—Buy-Sell funding, Key Person coverage, Executive Bonus plans, and Voluntary Benefits—around your valuation, cash flow, and team. We handle design, carrier selection, ownership/beneficiary mapping, and annual reviews, coordinating with your attorney and CPA.
Choose a tab to see how we’d implement each one for your company.
We help owners put a funded buy–sell in place so the business transfers smoothly at death, disability, or exit. Using life insurance, we create immediate, generally income-tax-free liquidity to purchase shares without loans or cash drain. We’ll design cross-purchase, entity redemption, or wait-and-see to fit your cap table, set coverage to your valuation method, and review it annually with your attorney and CPA.
A company-owned life policy on a vital owner or employee protects cash flow if the unexpected happens. The benefit can offset lost profits, keep creditors confident, and fund recruiting and onboarding. We size coverage using compensation multiples or profit-impact analysis and handle the required notice/consent and documentation.
Section 162 Executive Bonus plans let us reward select leaders with a company-paid bonus that funds personal life insurance they own and control. It’s fast to implement, typically deductible as compensation, and can be structured as a single bonus, double bonus (tax gross-up), or REBA with vesting to aid retention. We coordinate design and tax treatment with your CPA.
Give employees big-company choice with minimal fixed employer cost. We assemble a voluntary suite—life, disability, critical illness, accident, and more—with group pricing, payroll deduction, and potential guarantee-issue at enrollment. We source carriers, run enrollment (onsite or virtual), and service the program year-round.
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